Help! Should I get a separate insurance just for maternity?

[Query]

I was on Alliance's website the a couple of weeks ago and noticed that the premium payable for Hong Kong has gone up by about 50%. The premiems payable for the other countries do not appear to have gone up that much. I wonder if this is because the medical fees in Hong Kong are notoriously higher than other countries.

 

[AnitaC]

I am afraid so. Other insurers like GlobalHealth and William Russell have also raised their premiums dramatically. I would have to say we are unlucky!

 

[rani]

It's renewal time for us and just checked the William Russell premiums....YIKES! Have been doing a bit of research and Health International looks pretty attractive. The pay up to US$25K for pregnancy and maternity (Premium Plan) and William Russell only pay up to $10K (Gold plan) and the premiums are more or less the same. Anyone signed up with Health Int'l?

More info here on their different plans

http://healthcareinternational.com/...th-insurance-compare-FAQs/plan-comparison.pdf

 

[Cici]

RANI
can you tell me what your premium is at healthcareinternational and did you deal with a broker in Hong kong or directly with them?. I need to renew my medical insurance, but the price for allianz renewal is crazy!
thnks Cici

 

[rani]

Cici,

My annual premium is US$1400 for the premium plan with a $1000 deductible. I dealt directly with them via email. Fairly easy. However, I haven't submitted a claim this past year so I can't comment on their service.

HTH